Find out the most frequently asked question about our policies here.

Travel insurance

CAN MY FAMILY AND I TRAVEL INDEPENDENTLY OF EACH OTHER?

Yes, on our annual travel insurance you and your family can all travel independently of each other, and we’ll even insure your kids for free!

AM I COVERED TO CANCEL MY HOLIDAY IF I AM CALLED UP FOR DUTY?

Yes, our forces travel policies cover up to £4,000 per insured person if you are called up for emergency and unavoidable duty.

WHAT DO I NEED TO DO IF A MEDICAL EMERGENCY HAPPENS ABROAD?

Contact the assistance service immediately – call +44 (0)208 828 1505. Contact details are also contained in your policy wording & schedule, which we advise you take with you on your trip.
The assistance service can confirm whether costs will be covered, liaise directly with hospitals on your behalf regarding medical arrangements and payment of bills and arrange specialist travel arrangements if medically required.

CAN I ADD COVER FOR A PRE-EXISTING MEDICAL CONDITION ONLINE?

Cover is available for many pre-existing medical conditions subject to screening. You can click to add conditions under where you enter the names and dates of birth for the people on your policy. You will then be guided through a series of questions, at the end of which you will find out whether your condition can be covered, and whether any extra cost will apply.
Alternatively, you can call us on +44 (0)1243 817777 to arrange cover and discuss any medical conditions that may need adding to your insurance.

WHAT AM I COVERED FOR IF MY CONDITION IS DECLINED?

If your medical condition is declined, you will still be able to buy travel insurance. We will exclude the condition and if you have any claims which arise either directly or indirectly as a result of it, it will not be covered.

IS PREGNANCY COVERED?

Yes, you will be covered for reasonable emergency medical expenses for complications in pregnancy, provided you have not had any complications with this or any previous pregnancy. Cover for cancellation or curtailment of a trip is also covered under certain circumstances. Please refer to the policy wording for full terms and conditions. Please note that a complication in pregnancy is considered to be assisted pregnancy, multiple birth, more than one previous miscarriage, ectopic pregnancy, pre-eclampsia, abnormal foetal development, uterine or placental abnormality, pregnancy related surgical procedure, termination for medical reasons, birth prior to 36th week of pregnancy or any pregnancy induced condition (e.g. diabetes or hypertension).

Group travel insurance

DO YOU COVER SKI RACING?

Yes, we can cover ski and snowboard racing up to and including inter service level. We also cover bobsleigh, luge and skeleton competitions up to an including inter service level. However, we are unable to cover any competitions that do not run by the HM Forces.

DO YOU COVER HELIVAC FROM THE MOUNTAIN SIDE?

Yes, we cover anything deemed medically necessary up to £10million, this includes helivac from the mountain if required if you are injured or fall ill. In the event of a medical emergency please call the 24hr assistance company immediately on +44 (0)208 828 1505 (contact details are also contained in your policy wording & schedule, which we advise you to take with you on your trip).

I AM GOING ADVENTUROUS TRAINING IN GERMANY WHICH IS WHERE I AM CURRENTLY BASED, CAN YOU COVER ME?

Yes, we can cover you to go skiing within your country or residence, however, there are certain limitations on the medical cover provided. Please see section 4 on page 4 of the travel policy wording or alternatively call us on +44 (0)1243 817777 for full details.

Kit & home insurance

DO YOUR POLICIES INCLUDE LICENCE TO OCCUPY COVER?

Yes, both our forces kit and forces home products include license to occupy cover up to £20,000 when you insure either your room or home contents with us.

ARE MY HOME CONTENTS COVERED IN TRANSIT?

Yes, our forces kit & home insurance covers your contents for accident loss or damage (excluding denting, chipping and scratching) during the course of removal to your new home by either a professional removal company or military transport authority. There is no cover however for any denting, chipping or scratching to your goods during the course of a removal. So please make sure your items are wrapped up well.

WHAT IS AN EXCESS AND HOW MUCH IS IT?

An excess is the amount deducted from the claim payment, and applies to each person for each section of cover you claim under. The excesses are listed on your policy schedule. The standard policy excess for Forces Kit insurance and Forces Home insurance is £50. The excess for small electric items including iPhones, iPads, laptops, mobiles phones etc is £75. In respect of goods in transit the excess is increased to £250 for claims occurring within first 3 months.

WHO SHOULD I CONTACT IN THE EVENT OF A CLAIM?

If you have purchased your insurance before 13.02.2017 and it is underwritten by Lloyd’s Syndicate 2001 call our claims handlers on +44 (0)845 207 5834 and follow the procedures outlined on our kit & home pages.

If you have purchased your insurance on 13.02. 2017 or later and it is underwrittern by Arch Insurance Company (Europe) Limited please contact our claim handlers on + 44 (0) 344 856 2429. In all communications the certificate number as shown on your schedule of insurance should be quoted.

Personal accident insurance

DOES YOUR POLICY COVER ME IN AFGHANISTAN?

Yes, our forces personal accident policy offers immediate and full cover anywhere in world, including areas of conflict.

CAN I CONTINUE MY COVER WHEN I LEAVE THE HM FORCES?

Once your left the HM Forces please call us on +44 (0)1243 817777 to discuss your options

ARE MY CHILDREN COVERED BY MY FAMILY POLICY?

Yes, any dependent child aged over 30 days and under 18 years (or aged under 23 years and still in full time education) are covered automatically.

WHO SHOULD I CONTACT IN THE EVENT OF AN INJURY?

You should contact our claims handlers on +44 (0)207 895 3126 as soon as reasonable possible.

CAN I ADD COVER FOR A PRE-EXISTING MEDICAL CONDITIONS AND INJURIES?

Please call us on +44 (0)1243 817777 before purchasing a policy to discuss your options should you have any pre-existing medical conditions or injuries that need declaring.

WHO SHOULD I CONTACT SHOULD I BE INJURED BY ANOTHER PERSON AND WISH TO PURSUE LEGAL ACTION AGAINST THEM?

In this event please call Arc Legal Assistance on 0844 770 1040 and quote Trinity personal accident.

Life insurance

IF I TAKE OUT A JOINT POLICY WOULD WE BOTH RECEIVE A PAYOUT IN THE EVENT OF OUR DEATHS?

A joint life policy will only pay out on the first death and then stop. If you opted for two single life policies, you would each have your own independent cover. This means that in the unfortunate event that either insured person dies, the cover for the remaining insured person continues.

IF I DEPLOY TO AN AREA OF CONFLICT AFTER I HAVE PURCHASED THE POLICY WILL I BE COVERED?

Yes, provided you are unaware that you will be deployed within the next 6-12 months at the time of your application any future deployments will be covered.

CAN I GET COVER FOR MY CHILDREN?

Unfortunately we do not offer Life Insurance policies to anyone under the age of 18. However, if you add the critical Illness benefit to your life insurance policy most companies will automatically cover your children for critical illness up to their 18th birthday and pay a percentage of your sum assured.

*subject to terms and conditions.